【家庭財富對話面臨的普遍問題】“太少”“太晚” #財富傳承 #真正的家庭財富 #加拿大財富傳承

As people's wealth continues to increase, the problems facing the future generation of infants are more serious than their parents. They are increasingly concerned about how to negotiate with their children about their property and their final legacy. Although our basic education includes mathematics, history, English, French, physics, chemistry, and other core subjects, the education of finance, finance skills, and finance education seems to be often postponed to the age of more than 20. And it is usually due to family discussions and reminders, these informal guidance processes are formed, rather than formal, objective, professional methods. We all know that generally speaking, when it comes to learning professional skills, whether it is second language learning, snowboarding, ice skating, piano, and other musical instruments, these second skills are all the earlier, the better. However, we use too little, too late, which may be the best description of the reality of most families' current financial education. In the RBC 2017 Finance Transition Report, it was found that the key to improving financial knowledge and building a child's financial confidence is to start as soon as possible. Most respondents believe that the financial education of professional systems is more effective. We may agree with some of the key findings of the report. Our current social values, including the silence and lack of comfort when discussing financial issues, and the lack of sufficient financial guidance between the two generations, have been repeatedly looped, which has led to the lack of action when inheriting and dealing with death. If the next generation simply repeats the questions that our parents gave us about how to deal with financial problems, this is far from enough. As a Canadian immigrant, people's lives and financial problems are more complicated. If there is no proper financial management skills, the financial welfare of our children and the wealth they inherit from us will be threatened. Financial management dialogue seems to be moving forward. It is very important to have an open dialogue on the issue of money. We need to improve financial knowledge through formal professional channels. For example, a generation of infants learned to drive a car under the guidance of their parents. From that time on, driving education had just begun. But now, if there is no qualified financial advisor to provide formal education, very few of our children will have the opportunity to learn these skills. The transition to our modern financial world is already very complicated. The inheritance of wealth across many countries is even more difficult. It's like we're driving a car full of the hard work of the previous generation, and even a few generations of people. There is no accident along the way. How to reach the destination without any damage. Now more than ever, we need comprehensive professional methods and open dialogue. 欢迎关注我,您的首席财务顾问Holly Miao, 带您睿智的登上属于您的财富顶峰。